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To learn why "global" Asset Protection Planning is not just about using LLC/FLPs and offshore planning, please click here.
 
Advisors who have taken a course from The WPI requested that a "sales" platform be created for certified advisors.  Therefore, The WPI with the help of Matt Radin, JD, created the C.A.L.M. platform.  This platform will help certified advisors work up a comprehensive asset protection, financial and estate plan for all clients in a systematic manner.  To read about the various levels of C.A.L.M., click here.
 
 
Credentials
 

Certification Credentials 

 Certified Asset Protection Planner (CAPP™)

            Why should you become a CAPP™?

            The CAPP™ is a one of a kind designation given to advisors that complete an eighteen-hour educational course (either in person or through online education) and pass a 180-question multiple choice examination and a two (2) question essay examination.  The course is focused on the more specific topic of "asset  protection."

             The CAPP™ certification was created for advisors who do not have a need to learn about the other topics in the CWPP™ course (although we at the WPI believe the other topics are vitally important to advising the high-income/net worth client) or simply do not have the time to sit for the 24-hour CWPP™ program which includes an additional 18-hours of education.

             In turn, while CWPP™ advisors will be well versed in the area of asset protection CAPP™ advisors have gone that extra mile to study the topic more in depth they can be worthy of a CAPP™ designation.

            Asset protection is almost a completely ignored topic by estate planning attorneys and CPAs/accountants and by financial planners, insurance advisors, and real estate brokers/agents.  While the topic is almost completely ignored by most advisors, the topic is fast becoming the most important topic to any client that has a significant income ($150,000 or more a year) or a client that has a net worth in excess of $2,000,000.

            The CAPP™ course was created to deal specifically with topics that pertain to the narrow topic of “asset protection” (vs. the more global concept of wealth preservation).  

             Most advisors that call themselves asset protection experts really do not deal with complete asset protection.  Most asset protection specialists simply deal with protecting professional clients from obvious creditors like the patient who sues a doctor, a client that sues an attorney, CPA, accountant, financial planner, architect or stock broker.  

              There are other creditors out there that an asset protection an advisor needs to protect their clients from.  Those other creditors are the federal and state governments that are trying to take as much of a client’s money as possible via income, estate, and gift taxes.  Also, the government dictates that clients must divest themselves of nearly all assets before receiving aid for nursing home assistance.  Finally, the client can lose money to every day expenses should he/she not have an adequate amount of disability insurance.

              The WPI's definition of a creditor is any person or entity that can take a client’s money through the means of a lawsuit or through a state or federal statute.

              The topics covered in the CAPP™ course are as follows:

              -Asset Protection Part I
              -Asset Protection Part II
              -Asset Protection Part III
              -Asset Protection Part IV
              -Asset Protection Part V
              -Asset Protection Part VI
              -Asset Protection Part VII
              -Asset Protection Part VIII
              -Deferred Compensation (income tax reduction)
             
-Long Term Care Insurance 
             
-Accounts Receivable Leveraging 
             
-Annuities (stock market protection)
             
-The Maximizer (stock market protection)
             
-Advanced Estate Planning Part I (estate tax reduction)
             
-Captive Insurance Companies (income tax reduction, estate tax reduction)
             
-Mortgages/Equity Stripping

Pre-requisites:   Basic Estate Planning, Disability Insurance, Life Insurance

              We at the WPI can state with confidence that there is NO other asset protection certification course in the country like the CAPP™ course.  If you believe like we do at the WPI that one of the single most important topics to this country’s wealthy is asset protection and if you would like to learn the topic in a specific manner (vs. the more comprehensive CWPP™ course), we strongly recommend that you sign up to earn your CAPP™ designation.

           To download a the course outline for the CAPP™ course, please click here.

Certified Wealth Preservation Planner (CWPP™)

            The CWPP™ is a one of a kind designation given to advisors that complete a 24-hour educational course (either in person or through online education), pass a 240-question multiple choice examination, and a three (3) question essay examination.  The course is focused on the overall topic of wealth preservation which includes the following topics.

             The topics covered in the CWPP™ course are:

             -Asset Protection (both domestic and offshore)
             -Deferred Compensation
             -
WealthBuilder Annuity 
             -Leverage Bonus Plans (LBP)
             -Mortgages/Equity Harvesting/1% CFA Mortgage 
             -Qualified Plans
                          -401k
                          -Profit sharing plans
                          -New comparability plans
                          -Money purchase plans
                          -Defined benefit (DB) plans
                         -412(i) DB plans (and carve out planning)
             -
Employee Stock Ownership Plans (ESOPs)
             -Estate Planning: basic and Advanced”            
             -
Life Insurance 
                          -Whole life
                          -Term Life
                          -Return of premium term
                          -Universal Life
                          -Indexed Universal Life
                          -Variable Life
             -
IRAs (advanced planning)
             -
Annuities
                         -Fixed
                         -Indexed Equity 
                         -Variable
             -
Accounts Receivable (A/R) Leveraging/Financing
             -Life Settlements 
             -Section 79 Plans 
             -
QPIP® (Mitigating the 75% tax trap)
             -Charitable Planning 
                         -Charitable Gift Annuities
                         -Charitable Remainder Trusts     
                         -Charitable Lead Trusts
                         -Family Foundations
             -
Reverse Mortgages
             -Long Term Care Insurance
             -Health Insurance 

            For a more comprehensive review of the curriculum of the CWPP™ program, please click here to review the full course outline.

             Simply stated, there is not a more comprehensive “advanced” planning course in the country.

             To sign up to take the course, please click here.

 
 
 

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